Can a basic CNN (Conv2D, MaxPooling2D, UpSampling2D) find a good approximation of a product of its input channels?
I think U-Net is already a quite complex network that probably should (as of my experience) be able to approximate this multiplication. However this would still be an approximation that might not be accurate and maybe only solves a function that looks like a multiplication for the range of the shown input samples defined by your dataset (therefore potentially overfitting on your training dataset).

So in general if you know that your target function does have this multiplication then you should definetly excplicitly enforce it in your network. If you know so much about the wanted function it's always better to build a good fitting architecture than using a general neural network architecture. That will ease the optimization and should generalize much better.

However, it's hard or impossible to tell you for sure how much depth or complexity you need to solve this task within your wanted accuracy. Eventually you should just try it out.